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Americans that work with a financial advisor are twice as happy about and confident in their retirement plans as those not working with an advisor, according to a study released Wednesday by Franklin Templeton.
The 2013 Franklin Templeton Retirement Income Strategies and Expectations survey found that 90% of investors working with advisors are pleased with their retirement income plans, and 87% are confident in these plans. Just 44% of investors who are not working with advisors say they are happy with and confident in such plans.
"The findings confirm that the most essential emotions surrounding retirement income planning—happiness with, confidence in, as well understanding one's plan—are all increased substantially when you work with a financial advisor," said Michael Doshier, vice president of Retirement Marketing for Franklin Templeton Investments, in a press release.
For the study, some 2,000 adults 18 and older completed an online survey in January.
Investors who work with advisors are much more likely to understand their retirement income plan (86%) versus investors who don't (48%).
"Retirement income planning can be overwhelming, and professional assistance goes a long way in not only achieving financial goals, but feeling good about the process," Doshier said.
More than half of investors who completed the survey, 58%, cited experience with retirement planning as the most important factor when selecting an advisor. Plus, the same number, 58%, who had developed a written retirement income plan said they understood how much of their current income would be replaced by Social Security.
In addition, over half (51%) indicated that they would switch financial advisors or begin working with one for the first time if an advisor developed a written retirement income strategy for them. This was particularly true for investors in their key asset-accumulation years, specifically, 65% of those 35-44 and 62% of those ages 25-34.
When asked what they most want most from an advisor, investors said:
- A retirement income plan to meet their expected expenses, 33%;
- An understanding of their goals, concerns and fears about retirement, 23%; and
- A selection of investments to match their retirement income plan and risk tolerance, 19%.
Over the next five years, close to a third (31%) of investors expect to change their retirement strategy, while 22% plan to make changes in their retirement investments. Also, 13% anticipate beginning to work with a financial advisor for the first time.
Check out Median Retirement Balance Is $3,000 for All Working-Age Households on AdvisorOne.


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Daily Trojan, Vol. 27, No. 27, October 28, 1935
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— 1! Editorial Offices j RI-4111, Sta. 227 Night -1 - PR-4776 j SOUTHERN DAILY CALIFORNIA TROJAN United Press World Wide News Service Volume XXVII Los Angeles, California, Monday, October 28, 1935 Number 27 Bears Defeat Vulture To Give Hard Fighting Coverage of All Campus Groups Trojans, 21-7 S.C. Football Team Battles Valiantly, but Breaks Favor California Final Second Brings Score Cheered Gridders Struggle To Finish Rooters Return Home, Proud of Men By Clark Jones MEMORIAL STADIUM, Berkeley, Oct. 26—(Exclusive) — Old Man Fate cast his ballot in favor of California and so tlie Bears won, 21-7. But Trojan students and alumni can justly be p-oud of a team that pi&yed their hearts out and gave everything they had for their school and for their c'vu:h, Howard Harding Jones. A team, that with an even share of the breaks might have turned the result of Saturday's game into a different story. Battled Hard The Trojans battled their opponents to the last ditch. That S.C. never quit fighting was evidenced in the closing three seconds of play. I when Leavitt Thurlow smashed through to block a Bear kick, and Art Dittbemer fell on the ball behind the goal line for the lone Trojan score of thr day and the first touchdown scored by any team against California this season. One would have thought that the I Trojans had won the game for almost the entire San Francisco populace swarmed from the stands down on to the field as the S. C. team lined up for the conversion and watched Bill Howard boot the ball 1 squarely through the uprights for | the extra point. Davie Leads S.C. Little Davie Davis led the S.C. | eleven in its closing fight after both [Glenn Thompson and Nick Pappas had fallen victim to the vicious I tackling of California's hard charging forwards. Thompson succumbed las a result of a blow in the stomach I while Pappas suffered a badly bruis-|ed hip. The Trojan line was impenetrable I during the major part of the con-ltest. Onlv on a few occasions were the California backs able to break I into the open and once beyond the IS.C. forwards Fowler, Schultz, Ar-Icher. and other Bear ball packers |went for large gains before being <C«ntfnnr<I On Paicr Four) Dr. F. E. Townsend, whose plan for the use of government funds for the purpose of pensioning the aged, was acclaimed wildly by 6,000 delegates at Chicago. lalifornia Library Group To Convene Delegates Acclaim Pension Plan Head Townsend Tells Followers Present Economic Order Must Be Changed CHICAGO. Oct. 27— (dT.P> —Six thousand delegates to the Townsend old age pension convention cheered their mild, soft-spoken leader wildly today when he warned at a post-session of fhe conclave that the United States "faces universal prosperity or universal disaster" The applause reached its height when Dr. F. E. Townsend urged his adherents to go to the polls at the next election and bring about "an orderly change in our economic affairs that will result in established prosperity for all." The method bv which it is hoped to reach this objective, a method which has been drummed steadily into the ears of delegates since they gathered here four days ago, and which has proved attractive to a reputed 18.030.0D0 followers, consists of payment to all over 60 of $200 per month. Dr. Townsend outlined the rudiments of the plan and traced economic factors which he said led to the stock market- crash of 1929. The convention proper ended with a note of gaiety last night at a banquet and ball in a downtown hoteL The lean California physician concluded that the economic struc- Razz Sheet To Be Sold on Campus Blanket coverage of campus carrion in every S. C. department, school, and college, by the Vulture, Sigma'Delta Chi "yellow" sheet appearing here tomorrow morning, has been assured by Editor Lionel Van Deerlin. The Vulture is edited and published by the professional Journalism fraternity, membership in which is limited exclusively to aces of the Daily Trojan staff. The Daily Trojan will not appear tomorrow. Included among Vulture features promised by Editor Van Deerlin is a complete summary of San Francisco Trojan scandal. Six of the Vulture's all-sta- staff were assigned to the California game area. In the group were Tom Lawless, editor and number one idea man of the Daily Trojan. Phil Juergens, Hal Kleinschmidt, Dick Nash, and Roy L. French, director of the School of Journalism. Bill Ross and Roy Takeno were riven roving assignments over the week-end. Although official ignorance was professed regarding their whereabouts, an unconfirmed report said thev were probing the 1936 presidential campaign. A look-see into the impending race was promised by Vulture publishers in an interview granted a Daily Trojan reporter Thursday. Activities of the faint-hearted, who refused to subject themselves to a possible Vulture expose for bay city indiscretions, and stayed on campus, will br chronicled by SJD. X. pledges Lonls Thomann, Stan Roberts, and Nate Tanchuck. Troy's "Four Star" coeds, "the most beautiful and charming on the campus," will bs previewed pictor-iaPy in the razz edition. A brunette, a blond, and a redhead will each be named. II Duces Force Falling Winds To Start Drive Raise Hope of On Two Fronts Stopping Fire Italians Lose All Hope of Fighting Units Are Holding Peaceful Solution for Own Although Blaze Ethiopian Dispute Is Still Burning Troy's Rhodes Candidates Librarians from all over south-rn California are to attend special Institute sessions on the Trojan impus Friday and Saturday, No- ture of'the United States was the ember 8 and 9. : perfect system and lacked only one Sponsored by *bc School of Gov- thing _ scientific distribution - to Irnment ano the s-ixth district Cal- i make it function properly. fornia Library association, the ses- | ___1 [ions will include an address of wel-ame by Dr. Rufus B. von Klein nid, president of the university, pd round-table sessions. Problems of significance to li-rarv employees, such as "The EX- ' Honduras Swept By Heavy Winds ct of Propaganda on Public Opin- I pn" and "Reference Books" will be ong the roundtable topics. I Numerous faculty members of s University of Southern Calif- i iia will be included on the pro- j nun. |Dr George B. Mangold, professor TEGUCIGALPA. HONDURAS, Oct. 27.—*l'.E)—Native runners staggered into the capital today bringing news of what is feared may be one of the worst disasters in the history of Honduras. They told o) hundreds of families sociology an* social work, will j wading through waist-high f.ood wa-k on "Know Your Community." i ters, striving to reach safety as a paganda" will be the topic of dozen rivers overflowed their banks W. H. Burton, professor of edu- i following a hurricane which tore tion. ! down communication wires, leveled hniques of catching the pub- I buildings and inundated four towns, ear by the platform will be de-, How many persons have perished in the raging water will be unknown for days, they said. The news was the first to indicate the extent which Honduras suffered in the h'trricane which tore across the Central American peninsula last week and also ravaged the island of Haiti, where more than and j 1.000 persons are believed to have | perished. Planetarium Visit Planned for Frosh Mysteries of *he universe will be explained to freshmen Wednesday evening when they are taken on a special trip to the Griffith park planetarium. All freshmen are invited by Nathan Halpern, chairman of the freshman advisory committee, to make the trip. Special busses will leave for the planetarium at 6:30 Wednesday evening. Dr. H. E. Crull, professor of astronomy, and assistant director of the planetarium, will personally conduct the tour through the planetarium and will deliver a lecture. Eames Bishop and other student officers will accompany the group. The purpose of the tour, states Hal-pem, is to acquaint freshmen with the student officers and with each other. A special blo^k of seats has been reserved for the Trojans. Only charge wall be 25 cents, usual lecture fee. Dr. Francis Bacon, dean of men, will chaperone the party. Freshmen who wish to go on the trip are asked to sign up in the A.S. U.S.C. office before Wednesday nooa Respite In Attack Ends - i* - I Anniversary of Mussolini's March on Rome To Be Celebrated Today Copyright, 1935, by United Press. ROME, Oct. 27.—(U.E)—Italian armies on northern and southern fronts Will hurl themselves forward in » smashing assault upon Ethiopian defenses tomorrow on the 13th anniversary of the Fascist march on Rome, authorities forecast tonight. Officials said Italian troops were rested after their preliminary gains and the rains which delayed Gen. Rodolfo Grazani's southern columns have stopped. League Meets Thursday Italians virtually have lost hope of a satisfactory solution of the diplomatic stalemate with Great Britain before the league meets Thursday to begin enforcement of economic sanctions. The moment for a shattering drive to realize Ethiopian objectives by force of arms may appropriately coincide with the blackshirts' holiday, it is believed. Eve of the anniversary found Fascist Italy engaged in the greatest undertaking since groups of impatient youths wearing black shirts massed outside the walls of Rome ready to advance in three columns to capture ths government for Benito Mussolini, the erstwhile Socialist editor from Milan. Italy Keyed Up AH Italy was keyed tonight to the War and the anniversary. The nation worked all through Sunday in preparation for a complete holiday celebration tomorrow. Premier Mussolini personally will lead tomorrow's celebration. He spent today at the Venice palace studying latest reports from ths diplomatic and war fronts and conferring with party leaders regarding tomorrow's plans. All day long squadrons of Caproni bombers and pursuit planes—some of the latter capable of 400 kilometers (250 miles) an hour—roared across the city to put the nation in a warlike frame of mind. Flames Whip Over County Men Get Equipment, Food As They Struggle To Save Grass Lands By United Press. Dying winds tonight gave an army of 6,000 weary fire fighters first real hope of making headway against ravages of brush blazes in Malibu canyon that for five days have defied efforts of county and state fire control. Reports from Fire Dispatcher S. H. Welch said men, recruited from sheriff's offices, Civilian Conservation camps, forestry details and communities, were "holding their own." "It is not possible to tell whether the fire definitely will be brought under control," Welch reported, "but we have gained sufficient advantage so that there is no serious menace now if the wind does not rise again." Flames Lick Mountains Persisting flames, licking through the saw-tooth Santa Monica mountains, left a charred waste of more than 100,030 acres of brush land and timber, razed ranches and mountain lodges in half a dozen areas and menaced the swanky Malibu lake and Seminole hot springs regions. Blown on a hot desert wind, the flames swept early today across the Ventura county line. Additional equipment and food was sent to men waging a desperate battle to save rich grasslands and settlements in Dume canyon. Wind Rises A sudden rise in wind, forestry men said, would send the blaze whipping over Los Flores canyon, into hitherto untouched territory, with possibility of another serious outbreak similar to that which razed mountain lodges and beach dwellings along the edge of the Santa Monica mountains last week. Sightseeing motorists thronged highways, where square miles of land had been laid waste, a barren stretch of black desolation spreading from Malibu beach into the heart of the mountains. Two Chosen To Enter Rhodes Award Contest Al Travis, Nathan Halpern Selected To Compete In State Division Al Travis and Nate Halpern. seniors, who have been selected by the faculty committee to represent the university in state and sectional contests for the coveted Rhodes scholarships to Oxford university. Both, the committee reported, had unusually high qualifications. Town and Gown Foyer Is Given to University At Name Plate Banquet By Elsie Stephens Assembling in the beautiful new Foyer of Town and Gown, 150 of the elice of social, cultural, educational, and aesthetic life in Los Angeles gathered Friday evening for one of the most dignified, colorful events in the history of the campus, the "name plate" banquet, at which the new building was formally presented to ths university. Thex——--- highlights of the evening were the Bonner To Talk To Newswomen by Prof W. Ballentine Hen-acting dean of the School of Jvernment. Christian R. Dick, acting li-lan of Doheny Memorial 11-will be chairman of a svmpo- "Books of Today." ssions will be held in Mudd lorial hall of Philosophy, Town and Gown Foyer. German Munitions Plants Are Working Nights, Days Royal Physician To Talk To Westminster Group On Experiences in Siam With Dr. J. K. McKean. former personal phy.sician to the royal family of Siam, to speak on his ex-' periences in that country, the Trojan Westminster club is to hold its second luncheon meeting of the 1 year this afternoon. According to Mary Alice Foster, executive secretary of the club, the meeting, to be held in Elizabeth von Kleinsmid hall, will begin at 12:25 p.m. Luncheon 35 cents, and S.C. Presbyterian students are invited to attend. Last minute reservations can still be made today for the journalism women's luncheon in the journalism library before assembly time. The lunch is served a la carte in Elizabeth von KleinSmid hall at 12:20 p.m. today. Miss Betty Lee Bonner, a special feature writer and general reporter for the Hollywood Citizen-News is expected to entertain and inform the women writers with a story of her first newspaper experiences in Hollywood, according to Martha Williams, president of Theta Sigma Phi. Miss Bonner is a former women's page editor of the Daily Trojan, former vice-president of Theta Sigma Phi, and was a national delegate to the Tneta Sigma Phi convention last year. Silke Will Discuss Convention Plans Headed by Harry Silke, national president, a delegation of 12 members of Alpha Kappa Psi, professional commerce fraternity, will leave Wednesday for Provo, Utah, where they will attend the national convention. Eight commerce students will be pledged this afternoon at 3 o'clock in the Legislative council room of the Student Union, announced Ed Vale, president Students pledged are Max Dentz, Bob Bridges, K^nny Johns, Teague Andrews, Pau1 Haupt, Fred Clatworthy, Buzz Richards, and Sterling Smith. Preceding the pledge meeting, actives will hold a short business meeting at 2:30 p.m. in the men's lounge. Plans for the convention trip will bs discussed. ovations given to Mrs. Rufus B. von KleinSmid, president of the organization, and to Carrie Jacobs-Bond. Mrs. von KlelnSmid in her presentation speech at the beginning of ths after-dinner program said, "The university must continue to grow. An institution which grows is the one that sees the needs of its day and generation and meets them." She stressed the need for sociability, and that, through Town and Go\m ,she was realizing thc aim of the university toward this end. At the conclusion of the after- dinner program, Carrie Jacobs-Bond in dedicating her musical composition 'The Little Chapel of Silence" to the Town and Gown Chapjl of Silence, accompanied Jean Colwell Houghton at the piano while Miss Houghton sang the composition. The guests demanded an encore of Mrs. Bond who then played "The End of a Perfect Day." Dr. and Mrs. Rufus B. von Klein-Smid. with Dr. and Mrs. Frank S. Touton, greeted the arriving guests. At 7:30 a fanfare of trumpets (Continned Cn Tage Four) Vice-Consul Attends Troy ** + + * * * * * * * * George Navarro Scores Homework MERLIN, Oct. 27—<l\E i—German initions factories are working and day so the Reich will become "another Ethiopia," Hermann Wilhelm Goering, of the air force, announced Nazi meeting at Breslau to- the same time, Gen. Franz Utter von Epp, World wax lead-chief of the Nazi national bureau, hinted that Ger-|iy seeks return of colonies from her by the treaty of lilies. Ritter von Epp address-gathzring of colonial war vet-at Hanover during unveiling monument to Carl Peters, fa-of Germany's former East colony. fuehrer Adolf Hitler saved L from the fate of becom-1 Second Ethiopia," Goering as-1 "We now are working night day* three shifts daily, until we can be sure nobody can attack us. We have had ample opportunity to see what it means to be defenseless in the face of other countries which are armed to the teeth* Goering indicated Nazism eventually aims at eliminating the state governments. "I am proud to have received the order from Der Fuehrer when he appointed me premier of Prussia not to conserve but to liquidate that state," Goering said. Foreshadowing a purge of undisciplined party members. Goering ! continued: "In accordance with Der Fueh-i rer's will, we shall now deal with those who break discipline by starting individual action through private grudge or overzealousness. Those who do not observe the pace set by Der Fuehrer shall be eliminated." Chinese YMCA Director To Speak at S.C. Meeting Y. E. Hsiao, secretary of the Chinese Sludents Christian association, will address members and guests of the Trojan "Y" at a luncheon Wednesday noon in Elisabeth von KleinSmid halL Mr. Hsiao, whose organization operates under the ausoices of the committee of friendly relations wi h foreign student*. a part of the students' division of the international committee of the Y.M.C.A., is to arrive in Los Angeles today after an extensive tour o* the far east, Specifically advising students in foreign relations to attend. Glen 1 Baker, president of the Trojan "Y," said that members of the Y.W.C A. as well as other students are wel-eonL When registration officials enroll- , ed George Navarro, young student j from Ecuador, in the College of En- j gineering one day about four years ago, little did they realize that the . quiet, unassuming youth would some 1 day bring distinctoin to the univer-1 sity by making S. C. one of the few colleges in the country to have a member of the consular service as a member of its student body. Serving his country in the capacity of vice-consul in charge of diplomatic relations throughout southern CaUfomia, Navarro is one of the youngest attaches in the Ecuadorean foreign service. The handsome, brown-haired, olive-skinned young man, now 25 years of age, came to the United States in 1932 to compete in the Olympic games. His event was the 400 meter run, for which he held the record in Ecuador. However, political complications and strife in his native land kept Navarro from entering the games, a bitter pill for the athlete to swallow. Not long afterward, Navarro received an offer to accept the position of vice-consul, but refused, saying that he had not proved himself worthy of the job. Later he returned to Ecuador and, in competition with other applicants, won the right to represent the small South American republic. In a small office in Hollywood, Navarro carries on his business. Among his most prized possessions are certificates from the president of Ecuador and from President Franklin D. Roosevelt, officially recognizing him as a member of the diplomatic corps. When George came to North America he knew no English. Today his st)23ch, although hesitant, is far superior to that of the average college student. He is majoring in engineering ar.d international relations, with a smattering of political science. His ambition is to continue in the diplomatic service, although he intends to prepare himself for a non-political life if the occasion arises. American school life Was far different from that of Ecuador, Navarro points out. For instance, he often became very annoyed when professors assigned extra-heavy loads of home work. He said that South American students would have risen as one to threaten the instructor with dire consequences when the lessons were too hard, whereas the Americans "sit back and take it." "The United States and her people are wonderful," Navarro seated. "I have grown to love them and to appreciate the citizens' qualities of warmth and friendship. I hope that my consular service will keep me in ths United States always." The cultured young vice-consul plans to begin intensive training immediately for the 1936 Olympic games in Berlin, where he will represent his country, unless unexpected political troubles again hamper him. Quill Club Contest To End October 31 Campus writers were reminded of the closing dates of Quill club's annual membership contest which will end on the last day of the month by Fred Nichols, Quill president. Manuscripts are now being accepted in the Knglish office, and contestants are asked to submit them as early as possible. Rules for the contest, as announced by Nichols, are: manuscripts must be typed on standard size paper. Submitted under a nom de plume, the manuscripts must be accompanied by a sealed envelope which contains the correct name, address, and phone number of the applicant. "As competition in the contest Is always keen, applicants are advised to submit as many different types of creative work as possible," the president explained. From time to time Quill, a professional creative writers' club, brings prominent men in the world of letters to address members on the practical way of breaking into print. Authors nresenled last year included Irvin S. Cobb, and Hamlin Garland. Mel Ruick To Play At Engineers Ball Tickets Placed on Sale for Friday Night Dance At Country Club Music by Mel Ruick and his recording orchestra, who have provided the themes for many Fox motion pictures, will furnish the incentive for dancing at the engineers' all-university ball at the California Country club next Friday evening, announced Jack Graves, chairman of music, last night. "Ruick is the son of a United States district attorney who lost his first case when he pleaded that Mel become an engineer instead of a musician," Graves said. "The engineers are going to show him what he missed at their dance next Friday.' The engineers' dance win be an informal affair, with corsages banned. the committee announced. Tickets are priced at $1.00, and may be purchased from members of the Engineering council and from Miss Marie Poetker, cashier in the Student Union. Bids will go on sale at fraternity and sorority houses today, said Charles Faull, chairman of the ticket committee. Records Are Outstanding Three \ ears at Oxford Is Provided 24 American University Men Because both demonstrated equally high qualifications for the award. Al T.avis and Nate Halpern. seniors were selected Saturday by the special faculty committee to be candidates from the University of Southern California for the Rhodes scholarship to Oxford university. Dr. Allison Gaw, chairman of the committee, announced that Travis and Halpern will next compete for the privilege of representing the state. The two designated candidates from California, in turn will seek one of tbe four scholarships allotted to the district of CaUfomia. Utah. Nevada, Arizona. Colorado and New Mexico. Both Are P. B. K's Both Travis and Halpern are Phi Beta Kappas with 2.9 academic averages. Both nave the distinction of being presidents and officers in many campus organizations, both have been outstanding athletically, both, ths commit.ee found, measured up to other requirements laid down by Cecil Rhodes in establishing the foundation. Travis, a major in classical languages, is a member of Pi Delta Phi. French honorary fraternity, and Epsilon Phi, English honorary. Additionally, he has been president of Le Cercle Francais, the Latin club, and has been a member of the var-sity fencing team two years. Serves School Halpern has played varsity bas-■ ketball three years, is now chairman I of the freshman advisory committee, a member cf the men's council, the Legislative council, and winner of the Pi Sigma Alpha essay contest. He is afco a member of the varsity club formed last year. The faculty committee at a luncheon meeting made the selection. The scholarship provides tuition for three years at Oxford and a yearly stipend of 400 pounds (about $2,000). Twenty four are given for the entire nation. Ethiopians Plan Desperate Rally Copyright, 1935, by United Press. HAR AR, VIA DJIBOUTI, FRENCH SOMALILAND, Oct. 27.—(UJ!)—Dejazmatch Nasibu, Ethiopian southern commander. ' visited Harar tonight for the first time in two weeks and told this correspondent he was returning to the front immediately to command personally a desperate effort to stop the Italian drive from the south. "We are ready for the great test between Italian armaments and Ethiopian fortitude." he said. "We are fighting now to keep Italy from conquering Ethiopia by holding Ogaden." Electorate Urged To Vole on Bonds Students who are registered voters of Los Angeles are urged by the Citizens' Committee of 100, comprised of men and women from every walk of Ufe in the city, to vote at the S22.799.000 power revenue refunding bond issue at the special election Tuesday. Proceeds from the bonds. If passed, will be used to pay off a gov-! emment loan of the exact amount, made three years ago. According to the terms of the loan, the money will be refunded now that Improved conditions make it possible to meet the obligation at lower rates. Resulting from lowered interest rates and amortization payments, in addition to increased operating economies, $1,6-0.000 is available for devotion to a 10 per cent decrease in electric rates to all classes of consumers, effective January 1, providing that the bond issue is passed by a majority. Interest rates on the loan are five per cent for the first five years and six per sent thereafter. The refunding plan is supported by leading financial authorities, civic organizations, and taxpayers' representatives in Los Angeles, according to the Citizens' committee. Temblors Shaie Colombia POPAYAN. Colombia, Oct. 27—<C.P) ! —A strong earthquake rocked Popa-yan tonight. reDortedly damaging ; several towns between here and the ! Ecuadorean frontier. Dr. Claude C. Douglas To Speak to Wesley Club on Mexican Religious Life Mexico's religious and political situation will bs discussed by Dr. Claude C. Douglas, professor in religion and Greek, when he addresses the luncheon meeting of the Trojan Wesley club tomorrow at University Methodist church. Dr. Douglas spent 'a«st summer in Mexico where he was given the opportunity of observing, at first hand, economic situations. Luncheon tickets, which seU for 30 cents, may be purchased from Louis Thomann, president, or Wesley club members. Students and faculty members are invited to attend. As their second big social of the semester, club members are completing plans for their witch whirl to be held Ortober Jl. Students from the campus are to be guests. Organizations To Vote on Consideration of petitions for charters to estabUsh three new student groups on campus will be the main business of the organizations committee when it holds its first meeting of the semester at 1:30 p. m. today, in the banquet room on the fourth floo- of the Student Union, according to John Rounsavelle, chairman. Petitions have been received from representatives of the School of Re-Uglon, from th? junior class council, and from students representing the National Student league. The A.S.U.S.C. organizations committee, acting in conjunction with the faculty organization committee, acts to recommend to the Administrative council that '•barters be either granted or refused. Beginning tomorrow, presidents of the various student clubs and Committee New Petition* societies operating on campus will meet with Rounsavelle in the A.S. U.S.C. office. 202 Stuaent Union, for a check-up of their activities throughout the oust semester, the chairman announced. '•Suspicions hsve been cast on a few organizations." Rounsavelle announced. 'and *»e have deemed it wise, in the interests of the students themselves, to make sure that all clubs are abiding strictly by their constitutions and living up to their original charters." Meetings or organization presidents wiU continue every afternoon from 1:30 to 3:00 o'clock untU the checkups are complete. Assisting Rounsavelle on the organization committee are George Cramer, Pi Kappa Alpha; Bill Counselman, Phi Kappa Tau; Bob McWhinney, Kappa Sigma.
Object Description
|Daily Trojan, Vol. 27, No. 27, October 28, 1935
|Format (imt)
|Full text
— 1!
Editorial Offices j
RI-4111, Sta. 227
Night -1 - PR-4776 j
United Press World Wide News Service
Volume XXVII
Los Angeles, California, Monday, October 28, 1935
Number 27
Bears Defeat Vulture To Give Hard Fighting Coverage of All
Campus Groups
Trojans, 21-7
S.C. Football Team Battles Valiantly, but Breaks Favor California
Final Second Brings Score
Gridders Struggle To Finish Rooters Return Home, Proud of Men
By Clark Jones
MEMORIAL STADIUM, Berkeley, Oct. 26—(Exclusive) — Old Man Fate cast his ballot in favor of California and so tlie Bears won, 21-7.
But Trojan students and alumni can justly be p-oud of a team that pi&yed their hearts out and gave everything they had for their school and for their c'vu:h, Howard Harding Jones. A team, that with an even share of the breaks might have turned the result of Saturday's game into a different story.
Battled Hard
The Trojans battled their opponents to the last ditch. That S.C. never quit fighting was evidenced in the closing three seconds of play. I when Leavitt Thurlow smashed through to block a Bear kick, and Art Dittbemer fell on the ball behind the goal line for the lone Trojan score of thr day and the first touchdown scored by any team against California this season.
One would have thought that the I Trojans had won the game for almost the entire San Francisco populace swarmed from the stands down on to the field as the S. C. team lined up for the conversion and watched Bill Howard boot the ball 1 squarely through the uprights for | the extra point.
Davie Leads S.C.
Little Davie Davis led the S.C. | eleven in its closing fight after both [Glenn Thompson and Nick Pappas had fallen victim to the vicious I tackling of California's hard charging forwards. Thompson succumbed las a result of a blow in the stomach I while Pappas suffered a badly bruis-|ed hip.
The Trojan line was impenetrable I during the major part of the con-ltest. Onlv on a few occasions were the California backs able to break I into the open and once beyond the IS.C. forwards Fowler, Schultz, Ar-Icher. and other Bear ball packers |went for large gains before being
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May 24, 2007
Clemens: Not Up To Speed
Average speed? 89 mph. Average.
Clemens walked three Sea Dogs in a 30-pitch first inning. Four of the six hits he allowed were for extra bases, including two doubles by Jed Lowrie. (box)
Portland's Clay Buchholz pitched much better (6-7-2-0-8), but the Sea Dogs lost the game 4-3 in 10 innings.
It's up to Fat Billy to decide whether he needs another minor league start or if he's ready to join the Yankees next week.
15 comments:
- Unknown said...
any word about Gabbard pitching again? I thought he did an excellent job the other night. Nice to see a mean curveball on our side.
- May 24, 2007 at 9:29 AM
- allan said...
I haven't seen anything.
The day off today lets them skip the 5 spot, so we've got Dice, Wake and Lips in Texas -- and back to Curt on Monday against Cleveland at home.
The next night is the the 29th -- Beckett's supposed return.
Gabbard was sent down on the 20th, so he couldn't be brought up for the 29th, barring a DL move (he has to stay in Paw at least 10 days).
- May 24, 2007 at 9:41 AM
- Sean O said...
ironic that he's probably on speed, and not up to speed.
From progressiveboink.net's preview of the 2004 playoffs (http://progressiveboink.com/archive/playoffpreview.htm):
"Coming to Atlanta, though, is the hottest team in the major leagues, the Houston Astros. An interesting fact about the Houston Astros is that their stadium was originally named Enron Field, and they scrambled shortly thereafter to rename the park for obvious reasons. The Astros' greatest asset is likely Roger Clemens. An interesting fact about Roger Clemens is that he is a shithead and I want him to die."
My thoughts exactly.
- May 24, 2007 at 10:59 AM
- Jackie said...
There's a nice article in the Herald about Buchholz's outpitching of Clemens last night.
Forget where I read this, but someone's suggested nicknaming Buchholz "Scud Buster" since he shot down the "Rocket". I'm still trying to decide whether that is awesome or terrible.
- May 24, 2007 at 12:35 PM
- Jim said...
Jackie, no worse than Schilling calling his rottweiller "Patton."
- May 24, 2007 at 1:20 PM
- Zenslinger said...
AP's now saying he'll do another minor league start.
- May 24, 2007 at 8:57 PM
- Benjamin said...
Adorable but terrible. I think we'll be running out of rocket-destroying nicknames if everyone who pitches against TCM gets one.
- May 24, 2007 at 9:18 PM
- Unknown said...
Too much emphasis is being put on speed. 89 now will probably turn into 90 or so by the time he's back. Did you check out schillings readings last night? Around 90. The less speed, the more a pitcher relies on location. Schilling didn't have it and got rocked.
The same will happen with clemens if he doesn't have his control. But if he does, he can pitch 90 and be successful, just as curt can. The margin for error is just much less.
- May 25, 2007 at 1:24 AM
- Unknown said...
Okay random fact. If you look at the Red Sox series wins and losses it looks like:
While the Mets series wins and losses looks like:
Yes they line up perfectly. (S means split). I know it's coincidence but thought it was interesting.
- May 25, 2007 at 5:19 AM
- tim said...
argh, cant go another day without beisbol!
dice-k tonight, should be a good'ern eh.
i really hope clemens comes back for the series in T.O. - that way i can head down and personally see him get tuned.
- May 25, 2007 at 6:32 AM
- Jere said...
Wow, so for every series the Sox and Mets have played, if you throw out both results when one of the two split, they've done the exact same thing. In order. For 13 series. I'm headed to retrosheet to see how far back this goes...
Okay, going backwards from the end of '06, not including playoffs:
Mets: WLLSL
Sox: WSLLW
Throwing out the times one team split, there are two more there. So, it's 15 in a row. This is all assuming Brett's calculations are correct.
Or, if you consider a split to be a "didn't win" or a "didn't lose," depending on what the other team did in their corresponding series, you can say, "The Mets and the Red Sox both have done the same thing (haven't won or haven't lost) in the same order over each of their last 18 series. Amazin'. Redsock: first time in history? Let me know withint he hour, please:)
Let's go Mets! WWWWWWWWW
- May 25, 2007 at 9:32 AM
- Jere said...
I should've started that last comment with "check out the big brain on Brett!" Damn.
- May 25, 2007 at 9:33 AM
- allan said...
Redsock: first time in history?
Sure, why not?
- May 25, 2007 at 10:08 AM
- Devine said...
I think I actually feel most reassured on the days that Matsuzaka and Tavarez are starting these days. Even though in the second case, I understand with the rational part of my brain that the good times can't last.
- May 25, 2007 at 11:04 AM
- tim said...
I should've started that last comment with "check out the big brain on Brett!" Damn.
And I would've followed it with "What does Terry Francona look like?!"
- May 25, 2007 at 11:53 AM


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SACRAMENTO (AP) — Older Californians are continuing to enroll in the state's health exchange at a higher rate than younger residents, according to figures released Thursday.
Covered California, which operates the exchange, reported that more than 109,000 people signed up for a health plan through Nov. 30.
Nearly 60 percent were ages 45 to 64, although that age group makes up just a quarter of California's population. About 21 percent were 18 to 34, compared with their overall population of 25 percent.
Insurers say they need a higher percentage of those younger and typically healthier enrollees to make the policies financially viable.
The demographic numbers are naturally skewed toward the middle age brackets because many of those who qualify for the state health insurance program for the poor, Medi-Cal, are children and people over 65, and they are not included in the data. Kids under 18 are a quarter of the state's population.
Covered California officials have said they expected older people to sign up in greater numbers during the initial enrollment as people with pre-existing conditions or who had no previous insurance flocked to the website. People must sign up by Dec. 23 to get coverage starting in the new year.
The overall enrollment figure released Thursday is slightly higher than a preliminary federal figure released Wednesday, but still only about half the number projected before the exchange launched Oct. 1.


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Catastrophe bonds are growing at their fastest pace in six years, and outstanding issues could reach $50 billion by 2018, up from their current $19 billion, according to BNY Mellon.
Cat bonds are risk-linked securities that transfer a specified set of risks associated with hurricanes or earthquakes from an insurer or a nation state to investors.
In a new report, BNY Mellon estimated that the total amount of insurance-linked securities, of which cat bonds are a subset, could reach $150 billion by the end of 2018.
Insurance-linked securities as an asset class will experience a compound annual growth rate of 25%, the report said. Cat bonds as a subset will grow by 20%, compared with 30% growth over the past nine years.
In a statement, BNY Mellon acknowledged that it acted as a trustee and paying agent, and collateral agent on cat bonds. Last year, it was trustee on 68% of all cat bonds.
Hedge funds and private equity initially dominated the cat bond investor base, according to the report. Now, more long-term investors such as pension funds are buying the products.
"Investors are attracted by the high yields in the current low-interest rate environment," Dean Fletcher, head of EMEA Corporate Trust at BNY Mellon, said in the statement.
"Cat bonds also offer investors a chance to diversify their portfolios because of the low correlation of risk between catastrophic events and broader financial markets."
Natural catastrophes across the globe cost the insurance industry approximately $13 billion in the first half of this year, with overall economic losses estimated at some $45 billion.
As a result, the industry covered less than one third of natural catastrophes, leaving governments and society on the hook for $32 billion of rebuilding costs. Climate change and urbanization will likely exacerbate future losses from catastrophes.
"Insurers and the capital markets can help reduce the disaster gap by working together with big data to deploy new capital to cover new perils in new regions," BNY Mellon's international head of insurance Paul Traynor said in the statement. "This will reduce the cost of rebuilding for governments and provide a positive contribution to society."
The report suggested that a combination of legacy and predictive big data models will produce more robust risk modeling for cat bonds. It said these models should include unstructured data, fast changing data and data generated from an increasing number of sensors, mobile devices and social media applications.
Check out Climate Change Is Today's Problem on ThinkAdvisor.


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This work of historical fiction is a highly readable, earthy, unique love story set in the midst of the First World War. It has a very "real" feel to it and I realized halfway through that much of the novel is true! The characters are well developed and memorable. There is some fascinating medical stuff in it that was new to me. I struggle with how much to reveal about the book, because much of the pleasure of reading it is in discovering how the story unfolds. So I won't say much, except that parts of it may not be for the feint of heart.
Louisa Young has not included much about the battle details of the war itself, but rather has focussed on how people coped personally. She deals with relationships and what it was like when your loved ones went "over there". And the myriad of reasons why they went. So many personal battles were fought in the living rooms and towns where no shrapnel flew, and the medical people who were ministering to the dead and dying were as affected as the soldiers in uniform. Young captures the longings and loss of war so well, and how a generation could never be the same again.
Included here are two links about medical advancements that you will find fascinating to read after you have finished the book if you don't want any spoilers.


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CLAY COUNTY, Fla. – Three Clay County sheriff's deputies assisted in an unusual rescue Wednesday, helping a bald eagle along the side of the road.
The deputies found the bird near the intersection of State Road 21 and Old Jennings Road.
They kept an eye on traffic because the bird was getting spooked.
Cindy Mosling, of the rescue group Bird Emergency Aid and Kare Sanctuary, came to take the bird, which has been named Valentine.
A veterinarian says the eagle has no broken bones, and they are now giving it antibiotics and fluids.
They expect the eagle to make a full recovery.


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DOVER — Two-plus feet of snow is expected to fall over New England today causing cancellations, delays and general concern across the Northeast.
Meteorologists are still debating exactly how much snow is expected to fall over the southern portions of New Hampshire and Maine, but utility companies, weather agencies and other official establishments are taking very seriously the impact this blizzard may have.
Many places have already issued numerous warnings and alerts for residents looking to stay updated on storm coverage and available emergency resources.
Parking bans are in effect for a number of communities throughout New Hampshire and Maine including Dover, Rochester, Greenland, Portsmouth, Farmington, and Somersworth. The University of New Hampshire has curtailed operations beginning at noon today.
COAST has canceled all bus service today due to the timing and size of the anticipated storm.
"We feel this is the most prudent decision we could make based on the latest information we have available to us," said Rad Nichols, COAST executive director, in a public statement. "While we understand conditions earlier in the day may start out calmer, the predicted rapid deterioration of conditions in the afternoon mean that our operating day would be coming to a close during blizzardlike conditions, at which point our employees would still need to get home safely once they park their bus."
COAST also said Saturday service may be delayed or even canceled. Staff will monitor the storm and announce their decision when they can.
"Please be patient as we do everything we can to get you safely to your destination," Nichols said. "If you need to travel after the storm, please be safe on your way to and from bus stops. Do not wait for the bus on top of snow banks! Find the nearest driveway opening and make sure you are visible to the bus operator." COAST said they recommend people waiting for the bus to wear bright clothing, having reflectors and carry a flashlight.
For updated information on COAST services, tune in to area radio and television news outlets. COAST will also be using its website at www.coastbus.org, Facebook page atwww.facebook.com/COASTbus and twitter account @COASTbus to provide additional updates.
Nothing about the predicted two to three feet of snow has changed, according to meteorologists Thursday at the National Weather Service in Gray, Maine. Their maps still show that Strafford, Rockingham, and York counties will be some of the hardest hit.
Residents are urged to stay off roadways once the snow begins falling on Friday and to prepare for the worst.
The insurance Institute for Business and Home Safety reminds residents that in the case of a power outage that leaves them looking for alternate heat sources to not leave heating units unattended, never burn garbage, rolled newspapers, charcoal or plastic in the fireplace, and to avoid using gasoline or any liquid accelerant.
Those using generators should keep in mind that while the units can be a source of power during an outage, they also pose safety risks.
Generator owners are reminded to purchase an electric power cord to feed the electrical equipment (this should be a heavy duty outdoor-rated extension cord sized for the total electrical load — voltage and amps — you may need), and to ensure that the cord has three prongs and has no splits, cuts or holes in the external insulation covering.
An overloaded power cord could potentially start a fire, IBHS warns.
This blizzard, expected to be similar to a hurricane, may also bring heavy wind gusts that would spread debris across roadways and other areas. This could knock out utility lines and block roadways and drainage systems. Residents are urged to take precautionary measures in reducing the risks of property damage caused by tree limbs and shrubbery, according to IBHS.


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Versión en EspañolContentsAlleged DiscrepanciesArticle ReprintsAudio ResourcesBible BulletsDarwin Day DebateDecisive DesignsE-Books"In the News"Reason & RevelationResearch ArticlesScripturally SpeakingSensible ScienceResourcesDiscovery for KidsExamine the EvidenceHome Study CoursesFeedbackEBGlobalA.P. InformationAbout APContact APCopyright StatementHelp APPrivacy StatementSpeaking SchedulesA.P. Scientists and Auxiliary WritersUsage Guidelines
The seemingly invisible cell is a magnificent, microscopic world all its own. It quietly goes about its business, carrying out each of its various functions in utter silence. Yet it lives its life in service to the creation and maintenance of a larger, superior organism.
Cells, it probably will not surprise you to learn, come in a variety of sizes and shapes, and have different functions and life expectancies. For example, some cells (like male spermatozoa) are so small that 20,000 would fit inside a capital O from a standard typewriter, each being only 0.05 mm long. Some cells, placed end to end, would make only one inch if 6,000 were assembled together in a straight line. Yet all the cells of the human body, if set end to end, would encircle the Earth over 200 times. Even the largest cell of the human body, the female ovum, is unbelievably small, being only 0.01 of an inch in diameter. Some cells (like platelets in the blood) live a mere four days, while others (like brain cells) can live 100+ years. Certain cells (like the reproductive cells) have a single purpose, while others (like blood cells) serve multiple functions.
Yet in spite of the cells incredible complexity, and in spite of the impressive feats it is able to carry out, evolutionists stand firm in their belief that the cell owes its ultimate origin to chance forces operating over vast stretches of geologic time reaching billions of years into the past to a primordial soup that somehow was responsible for giving rise to the cells simple prokaryotic ancestor. German anatomist Ernst Haeckel, Charles Darwins chief supporter on the European continent in the mid-nineteenth century, once summarized his personal feelings about the simple nature of the cell when he wrote that it contained merely homogeneous globules of plasm that were
composed chiefly of carbon with an admixture of hydrogen, nitrogen, and sulfur. These component parts properly united produce the soul and body of the animated world, and suitably nursed became man. With this single argument the mystery of the universe is explained, the Deity annulled, and a new era of infinite knowledge ushered in (1905, p. 111).
Haeckels theory turned out to be little more than wishful thinking on his part, because as scientists began to unravel the secrets stored within the cell, and the fascinating biochemical code that it contained, they learned that within its infinitesimal boundaries, there lies a microcosm of activity that not only boggles the mind, but also exhibits spectacular complexity and intricate design. As Lane Lester and James Hefley put it in their book, Human Cloning: We once thought that the cell, the basic unit of life, was a simple bag of protoplasm. Then we learned that each cell in any life form is a teeming micro-universe of compartments, structures, and chemical agents
(1998, pp. 30-31).
The micro-universe that we refer to as a cell can be described in a variety of ways. In Genes, Categories, and Species (2001, p. 36), Jody Hey described cells in a broad sense as well-bounded entitiesi.e., masses of life contained within biological bubbles (i.e., plasma membranes) that selectively protect their contents from the harsh nonliving elements surrounding them. Franklin M. Harold, in The Way of the Cell, described cells in this manner: We may think of a cell as an intricate and sophisticated chemical factory. Matter, energy, and information enter the cell from the environment, while waste products and heat are discharged
(2001, p. 35). Thus, according to these two descriptions, the individual cell would appear to have many of the same features as an entire organism.
In fact, the cell does possess many of the features of a whole organism. As it turns out, the cell is a veritable bastion of unimaginable complexity and design, in which the individual components collaborate to give the cell function and purpose of such intricacy that evolutionary theory is at a complete loss to explain it. As proof of that, I would like to offer the following.
Most organisms are composed of multiples of cells. A human body, for example, is composed of over 250 different kinds of cells (red blood cells, white blood cells, muscle cells, fat cells, nerve cells, etc.Baldi, 2001, p. 147), totaling approximately 100 trillion cells in an average adult (Fukuyama, 2002, p. 58). Yet each of those cells, in a similar fashion, is composed of a variety of microscopic units known as organelles. The cell is indeed the sum of its parts. And those individual parts, on their own, exhibit creative complexity and demonstrable design. Consider, as just a sampling of the organelles found within a normal cell, the following.
The Nucleus
The nucleus is the central control center of the cell. In order to guide its development, the cell stores and uses a special chemical message known as deoxyribonucleic acid (DNA). This helically shaped substance stands apart as the captain of the cell. It directs the growth and reproduction of the individual cells, and contains all of the information needed for creating more new cells. One of the many marvels of DNA is the complexity of the hereditary information contained within it. It is doubtful that anyone today, mindful of the facts, would speak of the simple genetic code. British scientist A.G. Cairns-Smith has explained why:
Every organism has in it a store of what is called genetic information.... I will refer to an organisms genetic information store as its Library.... Where is the Library in such a multicellular organism? The answer is everywhere. With a few exceptions every cell in a multicellular organism has a complete set of all the books in the Library. As such an organism grows, its cells multiply and in the process the complete central Library gets copied again and again.... The human Library has 46 of these cord-like books in it. They are called chromosomes. They are not all of the same size, but an average one has the equivalent of about 20,000 pages.... Mans Library, for example, consists of a set of construction and service manuals that run to the equivalent of about a million book-pages together (1985, pp. 9,10, emp. in orig.).
A.E. Wilder-Smith, of the United Nations, concurred with such an assessment when he wrote:
Now, when we are confronted with the genetic code, we are astounded at once at its simplicity, complexity and the mass of information contained in it. One cannot avoid being awed at the sheer density of information contained in such a miniaturized space. When one considers that the entire chemical information required to construct a man, elephant, frog, or an orchid was compressed into two minuscule reproductive cells, one can only be astounded. Only a sub-human could not be astounded. The almost inconceivably complex information needed to synthesize a man, plant, or a crocodile from air, sunlight, organic substances, carbon dioxide and minerals is contained in these two tiny cells. If one were to request an engineer to accomplish this feat of information miniaturization, one would be considered fit for the psychiatric line (1976, pp. 257-259, emp. in orig.).
It is amazing to learn that even what some would call simple cells (e.g., bacteria) have extremely large and complex libraries of genetic information stored within them. For example, the bacterium Escherichia coli, which is by no means the simplest cell known, is a tiny rod only a thousandth of a millimeter across and about twice as long, yet it is an indication of the sheer complexity of E. coli that its Library runs to a thousand page-equivalent (Cairns-Smith, p. 11). Biochemist Michael Behe has suggested that the amount of DNA in a cell varies roughly with the complexity of the organism (1998, p. 185). There are notable exceptions, however. Humans, for example, have about 100 times more of the genetic-code-bearing molecule (DNA) than bacteria, yet salamanders, which are amphibians, have 20 times more DNA than humans (see Hitching, 1982, p. 75). Humans have roughly 30 times more DNA than some insects, yet less than half that of certain other insects (see Spetner, 1997, p. 28).
It does not take much convincing, beyond facts such as these, to see that the genetic code is characterized by orderliness, intricacy, and adeptness in function. The order and complexity themselves are nothing short of phenomenal. But the function of this code is perhaps its most impressive feature, as Wilder-Smith explained when he suggested that the coded information
...may be compared to a book or to a video or audiotape, with an extra factor coded into it enabling the genetic information, under certain environmental conditions, to read itself and then to execute the information it reads. It resembles, that is, a hypothetical architects plan of a house, which plan not only contains the information on how to build the house, but which can, when thrown into the garden, build entirely of its own initiative the house all on its own without the need for contractors or any other outside building agents.... Thus, it is fair to say that the technology exhibited by the genetic code is orders of magnitude higher than any technology man has, until now, developed. What is its secret? The secret lies in its ability to store and to execute incredible magnitudes of conceptual information in the ultimate molecular miniaturization of the information storage and retrieval system of the nucleotides and their sequences (1987, p. 73, emp. in orig.).
This ability to store and to execute incredible magnitudes of conceptual information is where DNA comes into play. In their book, The Mystery of Lifes Origin, Thaxton, Bradley, and Olsen discussed the DNA-based genetic code elucidated by Crick and Watson.
According to their now-famous model, hereditary information is transmitted from one generation to the next by means of a simple code resident in the specific sequence of certain constituents of the DNA molecule.... The breakthrough by Crick and Watson was their discovery of the specific key to lifes diversity. It was the extraordinarily complex yet orderly architecture of the DNA molecule. They had discovered that there is in fact a code inscribed in this coil of life, bringing a major advance in our understanding of lifes remarkable structure (1984, p. 1).
How important is the coil of life represented in the DNA molecule? Wilder-Smith concluded: The information stored on the DNA-molecule is that which controls totally, as far as we at present know, by its interaction with its environment, the development of all biological organisms (1987, p. 73). Professor E.H. Andrews summarized how this can be true:
The way the DNA code works is this. The DNA molecule is like a template or pattern for the making of other molecules called proteins. ...These proteins then control the growth and activity of the cell which, in turn, controls the growth and activity of the whole organism (1978, p. 28).
Thus, the DNA contains the information that allows proteins to be manufactured, and the proteins control cell growth and function, which ultimately are responsible for each organism. The genetic code, as found within the DNA molecule, is vital to life as we know it. In his book, Let Us Make Man, Bruce Anderson referred to it as the chief executive of the cell in which it resides, giving chemical commands to control everything that keeps the cell alive and functioning (1980, p. 50). Kautz followed this same line of thinking when he stated:
The information in DNA is sufficient for directing and controlling all the processes which transpire within a cell including diagnosing, repairing, and replicating the cell. Think of an architectural blueprint having the capacity of actually building the structure depicted on the blueprint, of maintaining that structure in good repair, and even replicating it (1988, p. 44).
You will notice that such things as diagnosing, repairing, and reproducing are all functions normally associated with entire organisms. Yet DNA, as small as it is, performs these functions every day on the molecular level. The genetic code is a veritable masterpiece of design. An investigation into the structure and function of the DNA molecule shows that the prospect of DNA originating via natural processes is simply unreasonable.
One of the functions of DNA is the production and maintenance of proteins. To accomplish this, the DNA requires the assistance of special organelles known as ribosomes. In order to prepare the DNA to be received by the ribosomes, specialized enzymes (RNA polymerases and certain proteins) break apart the DNA, and form a modified version of the DNA message, known as messenger RNA (mRNA). The mRNA then can be sent to the ribosomes for protein formation. For our purposes, we will think of ribosomes as fax machines, and the mRNA will be the paper that is fed through the machine. The ribosomes then will bind with another type of RNA known as transfer RNA (tRNA), based on the sequence of mRNAs that are being fed through the ribosome. Attached to these tRNAs are amino acidsthe basic building blocks of proteins. In order to amalgamate the amino acids and form a polymer, each individual tRNA must bind with a specific site on the ribosome, and the amino acid must detach from the tRNA and bind with other amino acids on the ribosome to form a long chain. The ribosomes task is a lengthy, complicated process, and yet, fortunately, they make few mistakes, because such mistakes can result in a deformed, useless mass. Without the meticulous workings of the ribosome, structures such as hair and nails would not develop. Also, no proteins could be manufactured for the cell or the rest of the body. The mind-boggling complexity exhibited by DNA, ribosomes, proteins, and their molecular counterparts defy explanation via time, chance, and naturally occurring processes.
Whence does the cell draw its power to drive the work of the ribosomes, as well as the myriad of other functions it is required to perform? The answer lies in the mitochondrionthe energy-producing organelles within the cell. Mitochondria are elongated structures with a smooth outer covering. Within the organelle, there are numerous convoluted folds, called cristae, which increase the internal surface area. This surface area is extremely important, because it provides a larger base for the mitochondria to use in the production of adenosine triphosphate (ATP)the primary energy source for the cell (see Mitochondria, 2003). How does evolutionary theory explain this incredible interdependency of the cells organelles? How did they learn to cooperate? These questions can never be answered by simply suggesting small changes over time.
Plasma Membrane
The plasma membrane that I mentioned earlier is the security system of the cell. This membrane is a fragile lipid bilayer, with each component being a mirror image of the other. The hydrophilic [water-attracting] portions face inward toward each other, and the hydrophobic [water-repelling] portions face outward. The cells membrane can perform many essential functions with this structural format. In their book, Essential Cell Biology, Bruce Alberts and his colleagues observed:
A living cell is a self-reproducing system of molecules held inside a container. The container is the plasma membrane- a fatty film so thin and transparent that it cannot be seen directly in the light microscope. It is simple in construction, being based on a sheet of lipid molecules
Although it serves as a barrier to present the contents of the cell from escaping and mixing with the surrounding medium
the plasma membrane does much more than that. Nutrients have to pass inward across it if the cell is to survive and grow, and waste products have to pass outward. Thus, the membrane is penetrated by highly selective channels and pumps, formed from protein molecules that allow specific substances to be imported while others are exported. Still other protein molecules in the membrane act as sensors to enable the cell to respond to changes in its environment (1998, p. 347).
This cell membrane is extremely thin, and yet it can perform such functions as helping nerve cells to function (via sodium-potassium pumps) and aiding in breathing (red blood cells must expel and absorb certain ions in order for the body tissues to receive oxygen and remove carbon dioxide). Thomas Heinze commented on this arrangement when he wrote:
Which came first? A first cell could not form without the specialized membrane holding it together and maintaining livable conditions inside, or the membrane that is only produced by a living cell? Remember, neither the lipids of cell membranes nor the proteins that make up their pumps and channels will form in nature apart from living cells (2002, p. 47).
How could such a complicated covering as the plasma membrane come into existence via purely naturalistic forces?
Amidst all of this production, waste is continually produced. The cells lysosomes are the means by which this waste is processed and expelled. Specific enzymes are carefully retained within the membrane of the lysosomes, which can digest practically any waste product. Interestingly, the lysosomes serve a dual purpose by also ingesting the food that is taken in by the cell. When a cell needs to digest nutrients, the lysosomes membrane will fuse with the membrane of a food vacuole. The lysosome then can insert enzymes into the food vacuole in order to break it down. As a result, the digested food diffuses through the vacuole membrane and enters the cell to be used for energy or growth (Lysosomes, 2001).
If the enzymes contained within the lysosome were to be released, the cell would digest itself, essentially committing cellular suicide, which brings us to another important aspect of the cellautomatic cell death. Science writer Jennifer Ackerman made the following important observation with reference to cell death:
In the late 1982, the biologist Bob Horvitz made a bold suggestion: cells die as a natural result of the process of growth because they have a built-in program to take their own lives. Just as cells carry within them the seeds of their propagation, they also harbor the means of their end, a little program to dismantle their lives, to commit suicide (2001, p. 100).
An example of this seemingly odd feature can be found in the frog. As it begins to transform from a water-dwelling tadpole to a land-dwelling frog, its tail begins to disappear. Where did it go? The frogs tail cells stopped receiving a message from the body telling them to stay alive! At that point, the lysosomes released their digestive enzymes, destroying the cells, and eventually causing the tail to disappear.
Where, in the history of evolution, would scientists place a program that actually kills cells? The mantra of evolution is survival of the fittest. According to this function of the cell, would not that dictum be changed to suicide of the fittest?
But there is another point here that should not be overlooked. The cells organelles frequently cooperate for the cells ultimate protection. As Ackerman later mentioned: To protect against accidental cell death, pieces of a cells apoptotic machinery are sequestered in different placesin the membrane of the cell and in its mitochondria (2001, p.102). This sequestering is essential for the cells well-being. Yet it also works to the cells ultimate planned destruction. If, in the beginning of life as evolutionists know it, separate organisms came together to form a cell, how could they learn to cooperate? And if they did, why would they work together to form a system that allows cellular suicide?
The cell, in all of its complexity and purposeful design, can be attributed only to the workings of a Supreme Designer. Even renowned evolutionists have conceded the difficulty of accounting for the ultimate origin of the cell via naturalistic processes. Russian biochemist Alexander Oparin commented: Unfortunately, the origin of the cell remains a question which is actually the darkest point of the complete evolution theory (1936, p. 82). Klaus Dose, as president of the Institute of Biochemistry at the University of Johanes Gutenberg, stated:
More than thirty years of experimentation on the origin of life in the fields of chemical and molecular evolution have led to a better perception of the immensity of the problem of the origin of life on Earth rather that to its solution. At present all discussions on principal theories and experiments in the field either end in stalemate or in a confession of ignorance (1988, p. 82).
These confessions are characteristic of the troubles that evolutionary theory has encountered in explaining the origin and decisive design of the cell. Gods omnipotence can be seen throughout His creationa creation that continually defies any and all evolutionary explanations.
Ackerman, Jennifer (2001), Chance in the House of Fate (Boston, MA: Houghton Mifflin).
Cairns-Smith, A.G. (1985), Seven Clues to the Origin of Life (Cambridge: Cambridge University Press).
Dose, Klaus (1988), The Origin of Life: More Questions than Answers, Interdisciplinary Science Reviews, 13[4]:348.
Haeckel, Ernst (1905), The Wonders of Life, trans. J. McCabe (London: Watts).
Harold, Franklin M. (2001), The Way of the Cell (Oxford: Oxford University Press).
Heinze, Thomas F. (2002), How Life Began (Ontario, CA: Chick).
Hey, Jody (2001), Genes, Categories, and Species (Oxford: Oxford University Press).
Lester, Lane P. and James C. Hefley (1998), Human Cloning (Grand Rapids, MI: Revell).
Lysosomes (2001), San Diego City Schools, [On-line], URL: http://projects.edtech.sandi.net/miramesa/Organelles/lyso.html.
Margulis, Lynn and Dorion Sagan (1986), Microcosmos (Berkely and Los Angeles, CA: University of California).
Mitochondria (2003), Cells Alive, [On-line], URL: http://www.cellsalive.com/cells/mitochon.htm.
Muncaster, Ralph O. (2003), Dismantling Evolution (Eugene, OR: Harvest House).
Oparin, Alexander I. (1936), Origin of Life, (New York: Dover)
Skoyles, John R. and Dorion Sagan (2002), Up from Dragons (New York: McGraw-Hill).
Thaxton, Charles B., Walter L. Bradley, and Roger L. Olsen (1984), The Mystery of Life's Origin (New York: Philosophical Library).
Wilder-Smith, A.E. (1976), A Basis for a New Biology (Einigen: Telos International).
Wilson, Edward O., et. al. (1973), Life on Earth (Stamford, CT: Sinauer).
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Posts Tagged 'don't understand women'
Understanding Women
Saturday, August 18th, 2012
For men understanding women is usually something they want, but women want them to understand instinctively without them having to tell them anything. It's an interesting problem and one that can impact relationships both negatively and positively.
Men are sometimes surprised when a woman is displeased. They may be unaware there is a problem and then…boom…she loses her temper. One good way to deal with this problem is to ask her…and frequently, too, something simple like, "How was your day?"
That way she feels you care even if you don't know whatever is bothering her or even that she has a problem. You avoid coming across as clueless or selfish or oblivious…even if you are.
Men tend to think of love in terms of working for the family. They talk about and resent "the old ball and chain" these responsibilities entail.
In many cases their presence and their attention would mean more to both their wives and their families. The problem is they are not at home enough to find out that their families miss them and would like to spend more time with them. Think less about work and more about what you and they want from life. Review your priorities today.
Many women work really hard, too, basically about 16 hours a day. Often they don't get much appreciation for it, either. Every one of us…men or women both…likes to be respected and appreciated. The problem is that an exhausted woman is typically resentful and cranky. Offer her a sexual overture and your hand may come back a bleeding stump.
It's also interesting to consider that some things women are working so hard to do…things they feel they HAVE to do…are not things that are deal breakers in their relationship.
For example we know a couple currently living happily. She loves to cook and he loves to eat. Neither of them likes to keep house. Either they pay someone to clean or they settle for a home that is a bit messy. It's been working for them for many years.
They had to talk it over to reach this conclusion. They did and it worked. Communicating with her, including really listening can go a long way to understanding women or at least understanding her. Simple relationship advice that can really help you better understand her or as some men might say, figure her out.


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Singular sermon: Looking both back and ahead
Published January 27, 2004, in issue 0404 of the Hook
The Arcade Fire: Funeral (Merge)
Mixing lo-fi beauty with the pains and pleasures of living on their full-length debut album, The Arcade Fire hit on the big ideas of life and death, love, and loss. But they coat these sometimes bitter pills with sweet lustrous indie-pop that few would decline to taste.
Funeral arose from a year full of passings– relatives on all sides left this earth– but also from a year of more positive changes. Biggest among those: the group's two principal points of light, Win Butler and Régine Chassagne, married. These life-altering events seem to have electrified the brains of these two songwriters and enabled them to create something that's a majestic leap from their less satisfying self-released EP.
The Funeral begins with the joyously apocalyptic "Neighborhood #1 (Tunnels)" where piano and staccato strings overlay a driving bass and disco beats, as Butler reveals his plans for a blizzard– "...if the snow buries my, my neighborhood."
Romantic notions such as the subtle "you'd change all the lead, sleeping in my head" to the utterly lost "then we'd try to name our babies, but we forgot all the names that, the names we used to know" fly forth in a tumult of emotion, building and building to a grandiose conclusion.
The next track, "Neighborhood #2 (Laika)" is less forward than its predecessor, exchanging lustrous storytelling for rock with a mystical edge, but its brilliance shines through. The winding bass that dominates the song's verses fades into a sea of synthesizer, guitar, and accordion on the chorus as Butler sings/shouts "our mother shoulda /just named you Laika," backed by a harmonizing Chassagne.
Tracks four and five continue this song saga with "Neighborhood #3 (Power Out)" and "...#4 (7 Kettles)," the former echoing the album's first track while the latter ends the "neighborhood" saga, the song's narrator watching the happenings on his street from a dimly lit window.
"Wake Up" begins with impressive shades of the latter-day Flaming Lips, but soon slips into what The Arcade Fire have made their signature sound– loud well-spaced pounding beats, high-flying impassioned vocals, and lucid lyrics.
What most sets The Arcade Fire apart from similar but younger acts is maturity. They pass by the "seventeen/what I mean" rhymes in favor of lyrical feats of strength and instrumental daring that come only with seasoned lives. I'm glad they saw fit to share them with us for a little while.
The Arcade Fire: Funeral


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Dimasalang, Masbate, a normally laid-back, rustic but usually obscure place is in the headlines lately because of the recent ferry sinking claiming the lives of at least 40 people including many children. Ironic that quiet, obscure places are suddenly put into national attention not because of some achievement but because of some big tragedy or calamity that visits them. This is what happened to San Fernando, Romblon which suddenly became world-famous because of the 'Princess of the Stars' sinking. Gaining notoriety their natural characteristics and charms are sometimes just put to the shadows.
Dimasalang is the center of the 3rd congressional district of Masbate which comprises the eastern portion of Masbate island. The sunk ferry, the 'Don Dexter Cathlyn' which is actually a wooden motor launch or motor boat is the town's service to their alternate commercial center which is Bulan, Sorsogon. It usually leaves Dimasalang at 1pm arriving in Bulan after nearly 4 hours of travel. It leaves Dimasalang at 8pm the next day. Like most motor boats in remote inter-island corners, it serves not just people but also cargo like a truck or bus of the inter-island seas.
In Dimasalang like most towns of the 3rd district of Masbate, it is not unusual for one to ask a question in the Waray tongue and get answered in Bicol or Cebuano or Masbateno. All four are considered languages in their own right. The four tongues has a high degree of mutual intelligibility because it all belongs to the Bisayan group of languages. Given the fact that most Filipinos speak English and Tagalog/Pilipino, many people in this corner of the Philippines are actually sextilingual (speaking six languages). But for people here that travel to western Masbate, it is probable that they even speak a seventh language, Hiligaynon, the lengua franca of that place.
Maybe, of all places in the Philippines this little corner of Masbate is the greatest melting pot of Philippine languages. And all because of sea lanes served by quaint, little launches the size of yatchs. This place aside from its connection to Bicol has connections to the nearby islands. Go to Cataingan and a daily motor boat is available for Calbayog City, (Western) Samar. Move over to Placer or Cawayan and several motor boats ply the Cebu route daily. Go to the town of Milagros and a daily boat to Roxas City, Capiz and Estancia, Iloilo is available. Go to Mandaon and boats are available for Romblon and Lucena City, Quezon.
The town on the southeasternmost tip, Pio V. Corpus (Limbuhan), which has its own boat service to Cebu, whose lengua franca is Cebuano produced the current medical director of the Philippine Children's Medical Center in Quezon City, Dr. Julius V. Lecciones, who is a member of UP Ibalon. Proof that being raised in a remote corner of the Philippines is no hindrance in rising to the top.
Dimasalang might have gained temporary notoriety but for me what a heck of a place!


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Making Affordable Memories on Memorial Day
by Amy Lignor
Once again it feels like the year has raced by. Memorial Day is coming upon us, and it is a great chance to not only salute the "best of the best" but to also spend quality time with your family. But are you worried about sticking with your budget while planning fun Memorial Day activities and parties at the same time? Most are, but it's important to note that planning a fun event or a family get together does not mean that a lot of money needs to be spent. In fact, there are many affordable ways to enjoy the day.
Think about it. Now that the weather is starting to warm up, it's the perfect time to get outside, so kick off the season with a camping excursion, even if the journey only takes you to the backyard. Many locations offer day-use parks that are within driving distance, if a full weekend of camping can't be planned. And there is fun to be had. You can enjoy the day by celebrating National Scavenger Hunt Day which occurs on May 24th. If you have kids, hide a treasure and then start searching. It's a whole lot of fun and the little ones will have a ball whether the treasure be buried around the house or in the park. You can even find a downloadable scavenger hunt online, so if you have a rainy day, the kids can go searching for treasures in the house. Just remember that kids get excited about finding things, and no money has to be spent to bring smiles to those faces.
Memorial Day is the time to remember ones who have passed, ones who have fought, and those who have given their loyalty to this country, so planning a few things to do around the house brings even more smiles to the faces you love, while at the same time making new memories and sharing old ones. Think about planting some flowers. Visit your local nursery and invite the kids to choose what they like in a variety of colors and sizes. Go home and unleash the kids by allowing them to do what all kids want to do: dig in the dirt. The flowers will have meaning for you and the family, and the children will be proud to have been a part of it.
Raising that American flag at home is a grand thing to do and, yet again, establishes memories with the family. But if a flagpole is not on the property, do not get upset. There are miniature Old Glory's that can be placed in the windows, in the flowerpots, on the lawn. And if a flag is not on hand, bring out the markers and crayons and let the kids make their very own. Creative imaginations are a whole lot of fun to witness and their creation will most likely become the most special family flag.
Road trips are expensive, so plan on having a picnic with those you love. You don't have to invest in a whole lot of food to set on the grill, simply find a shady area, lay out a blanket, bring the toys and head to the local lake. Relaxing, playing catch, getting outside and breathing the fresh air will make this day a perfect one.
And don't forget to watch the parade. Whether big city or small town, there is always some type of Memorial Day parade or festivity that locals can enjoy. Whether it be the marching bands or the floats or simply waving to the veterans, the parade is fun for all ages. For a special activity, you can let your kids write some notes and create drawings to then send to our troops overseas. It is the perfect care package that the men and women who are away from their own families would love to receive.
If you wish to add to the care packages, or just have more fun with the kids, let them wear the chef's hats and create everything from muffins to pies that they can share.
Star gazing around that campfire is a great way to wind up the day. Guaranteed you will have some drooping eyelids all around, which is the best way to know that you have given you and yours a great Memorial Day…without having to break the bank.
Source: BaretNewsWire.com


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Monday, December 31, 2007
In part two of the 2007 review, lets take a look at the events of the year, briefly as possible.
Generally, in music this year...
Digital downloading was a common theme through out the 2007 year; CD sales were down almost 15% while download sales were up 45% in the year. At the same time sales were soaring, the RIAA was in the middle of a lawsuit that won them a $222,000 judgment against a downloader. Also, EMI removes DRM (copyright protection technology) from their downloaded tracks and Amazon begins to sell them, after months of rumors. Other labels also announced they are testing and considering removing the content protection technology.
Hannah Montana brings the issue of fan club ticket pre-sales and ticket brokers to the spotlight in 2007. Ticketmaster sues re-sellers for using software applications to buy tickets for shows. Online fan club members sued the fan club over the broken promise of being able to have access to pre-sale tickets. So very many country music artists these days have fan clubs of this type, and in the upcoming year, an impact could be seen intensely in country music, pending the outcome.
In October, Madonna makes a one-of-a-kind deal that could set prescience in other artist of her talent level and demand. A deal worth reportedly $120 million over 10 years, Live Nation signed her to an all inclusive deal, a first deal of this type. Studio albums, tours, television, fan club, merchandising, website, and more are all in this business deal. Time will tell if there other deals of this type in the works and what country music artists are in demand for this type of deal.
Turning to country music in 2007,
Garth Brooks takes the headlines this year with the release of the hit single "More Than a Memory" that debuted at #4, tying his own record for highest ranked debut single. The success continued with the "Ultimate Hits" 2 CD and 1 DVD set that included 4 new singles and 30 classic songs, including 33 videos on DVD. To top off the year, Brooks performed 9 history making live performances at the Sprint Center in Kansas City, MO. The final of the shows also was broadcasted via satellite to movie theaters all over the country with such demand that an encore was broadcasted the following night.
In a related story, it was another year where the independent artists had a strong hold on country music. Artists like Garth Brooks (Pearl Records,) Taylor Swift (Big Machine Records,) Jason Aldean (Broken Bow Records,) Rodney Atkins (Curb,) and Tracy Lawrence (Rocky Comfort) all had a strong year on their independent labels, giving strong competition to the major labels.
It's been 28 years since the last album from The Eagles, 2007 turned to be very successful for them including an appearance on the CMA Awards and the release of their Wal-Mart exclusive album. It led to Billboard changing the policy on their charts to allow exclusive retail sales to be included on the charts, giving the album the #1 spot on the Billboard 200.
In April, the former home of one of country music's greatest legends, Johnny Cash, burns down as country music fans watch the video and pictures from the Nashville media.
Divorce, unfortunately, this year seemed to be a common theme. Terri Clark, Wynonna Judd, Sara Evans, and Lorrie Morgan are among the names that filed for divorce this year. However, there were happier times for Joe Nichols, Phillip Sweet, JoDee Messina, Clay Walker, Darryl Worley, T.G. Sheppard, and Gary Morris all married this year.
The Grand Ole Opry celebrated its 82nd Birthday, and invited 3 new members in 2007, including Mel Tillis, Josh Turner, and Charlie Daniels. XM Radio began broadcasts of the Grand Ole Opry, bringing the Opry back to satellite radio
Not all was happy though around the Grand Ole Opry House this year.
Given permission to be pursued this past week, and filed earlier this year by Stonewall Jackson, an age discrimination lawsuit was filed against Gaylord Entertainment and Opry General Manager Pete Fisher. The first day of 2007, Del Reeves died of emphysema at age 74, even though it had been August of 2002 since he performed on the Opry stage. Reeves had been a member since 1966. The entire music community came together when music legend Porter Wagoner died on October 28, 2007 at the age of 80 from lung cancer. His rhinestone suits, 50 years of Opry performances, his television performances, and songs like "The Carroll County Accident" this Country Music Hall of Fame and Opry Member will never be forgotten. Also, among the deaths this year included honky-tonk legend Hank Thompson in November.
No year would complete without the recap of arrests, Mindy McCready was sentenced to a year in jail for probation violations, Willie Nelson started probation for 6 months and paid a fine for his remarkable first conviction of marijuana possession, Troy Gentry has learned about probation and paying fines (a $15,000 lesson, Nelson's was only just over $1,000) over his bear trapping incident from 2004, and finally Jonny Rodriguez was arrested for drug possession.
From the awards, The Dixie Chicks win 5 Grammy's; Kenny Chesney is awarded the CMA and ACM Entertainer of the Year, and Vince Gill, Ralph Emery, and Mel Tillis become Country Music Inductees this past year.
When stopping to think about it, it has been quiet a busy 2007 for country music.


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Search the Return of Owners Land in England 1873 on Familyrelatives.com
The Return shows the holding, in acres, rods and poles, and estimated yearly rental valuation of all holdings over 1 acre. The database is organised by county, landowner and the address for each landowner. The Return of Owners Land is also referred to as the Land Records.
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